Card and Credit Line
Insurance to reduce or pay off the balance that existed on the card, in case of an accident, death or inability.
Product summary
Group plan
If you're a co-op owner, this product protects the co-op from credit card losses in the event of death or the carpet becomes unusable.
Insurance pays the account balance upon your death, as the insured, up to the maximum amount of your policy to reduce or settle your debt balance, signed by the insured.
Benefits
- Life Insurance reduces or pays off the balance of your debt at the date of the debtor's insured death.
- In accidental death insurance, if the death occurs of the debtor insured because of an accident within 100 days from the date of the accident the designated beneficiary will be paid the same amount of life insurance that was paid to the tenor of the policy debts for the payoff of the balance. Insurance for loss of vision, hearing, and accidental dismemberment: Reduce or pay off debts balance at the time or date the loss of vision, hearing, and dismemberment of the insured debtor.
- Fatal and permanent physical inability: Reduce or pay off the debtor’s balance at the date debtor insured has a permanent physical and total inability that includes him to perform any job or any activity that needs economic remuneration for the rest of his life. This applies only to the principal debtor.
Available endorsements
What’s more, it offers two additional benefits through endorsement:
- Involuntary unemployed- It provides the minimum monthly payment required by the debtor under the guaranteed line of credit in the event of involuntary job loss due to involuntary unemployment: Somebody dismissal or massive employment, general strike, Employer termination, work dispute/employer, or employer closure.
- Pay for first time appearance of cancer: Pays the balance of the line of credit that the debtor had insured if has been diagnose positive with cancer for the first time will be one paid during the life of the insured.
Payment methods
These are the payment methods available to purchase your plan.
Frequently asked questions
We leave you some of the most frequently asked questions about our plans
How can I establish my claim?
To submit a claim you must complete the Claim Application and accompany it with the necessary documents according to the insurance policy you have purchased. For more information you can access the Claims section. For your convenience, you can advance these documents by e-mail service.reclamaciones@cosvi.com, via fax to 787-200-2574 or deliver them to any of our offices. An important fact for SINOT cases is that SINOT claim applications require original documents.
The cancer policy only covers the deductible of the medical plan or the total of expenses incurred?
No, the reimbursement will be processed in line with the benefit reclaimed and the limits of the coverage.
What should I do to change my method of payment for my policy?
To realize changes in your methods of payments is necessary to fill out the form bank card, that it should be accompanied with a void check or a certification of the Financial Institute. This permits your policies to be debited directly from your account without any mayor effort on your part.
To whom is emitted the check of premium return check?
Premium refunds that have not been accrued will be issued to the person who paid the premium.
Under what type of product, a member can apply for one premium not accrued?
One-time premium payment is not applicable. Premiums o Paid in full for one year, and the insured applies for the cancellation of coverage before termination of coverage.
Does a jointly coverage exists under the Funeral coverage?
Yes, it exists the jointly coverage (contract that cover more than one life).
Steps to acquire your insurance
In just three steps, you can get the policy you are looking for.
Initial Consultation
In your initial orientation appointment, the objective is to establish good relations hear youcarefully and make adequate questions to know which you are needs a free consultation.
Evaluation
Depending on your needs, we evaluate the different products beneficial for you.
Presentation
Besides your resume, we will continue to evaluate all information provided to recover your situation and confirm your needs. We propose an action plan that identifies and explains different products and alternatives that meet your needs. If you agree with our recommendations, we help you get the product.
Orientación Inicial
En la cita inicial el objetivo es establecer una buena relación, escucharle detenidamente y hacerle las preguntas adecuadas para saber cuáles son sus necesidades.
Evaluación
Dependiendo sus necesidades, se evaluarán los diferentes productos de mayor beneficio para usted.
Presentación
Además, de resumir la situación, confirmar sus necesidades se procede a evaluar toda la información provista, se presenta un plan de acción en el que se identifican y explican los diferentes productos y alternativas que satisfagan sus necesidades. Si usted está de acuerdo con las recomendaciones, se le ayuda adquirir el producto.
What our clients are saying
Look what are insured have to say about our policies and our services.
Excellent customer service.
Tremendous company. It is by appointment, at the moment, they are very helpful and fast, you do not waste time. Make an appointment by phone and that's it!!! Good service.
Good service, I won't let them.
Very well located and a wide variety of insurance products.
I was treated very kindly and promptly.
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